ANNISTON - OXFORD Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Anniston - Oxford averaged 6.19% for the week of 2022-06-23, compared to the national average of 5.81% for the same period.

The average rate for the prior week (2022-06-16) was 5.86% and one month ago for the week of 2022-05-19, the average rate was 5.63%.

Anniston - Oxford's average rate one year ago was 3.03%.

For refis of the same type during the week of 2022-06-23, the average rate was 6.02%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-23 5.81%
Anniston - Oxford 30 Year Fixed Rate 2022-06-23 6.19%
Anniston - Oxford 30 Year Fixed Rate Refi 2022-06-23 6.02%
Anniston - Oxford 15 Year Fixed Rate 2022-06-23 5.54%
Anniston - Oxford 15 Year Fixed Rate Refi 2022-06-23 5.55%
Anniston - Oxford 30 Year FHA 2022-06-23 -0.08%
Anniston - Oxford 30 Year FHA Refi 2022-06-23 0.09%
Anniston - Oxford 30 Year USDA 2022-06-23 0.07%
Anniston - Oxford 30 Year USDA Refi 2022-06-23 -0.26%
Anniston - Oxford 30 Year VA 2022-06-23 0.39%
Anniston - Oxford 30 Year VA Refi 2022-06-23 0.17%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within ANNISTON-OXFORD, AL.

ANNISTON - OXFORD Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the ANNISTON-OXFORD, AL market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
QUICKEN LOANS, LLC 103 3.18% $4,355
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 102 3.09% $3,336
Ameris Bank 96 2.93% $4,003
AOD Federal Credit Union 63 3.18% $3,357
UNITED WHOLESALE MORTGAGE, LLC 52 2.93% $4,291
Renasant Bank 47 2.99% $4,021
SouthPoint Bank 42 2.97% $2,473
Regions Bank 38 3.21% $3,068
Truist Bank 27 3.04% $3,286
SUCCESS MORTGAGE PARTNERS, INC. 24 3.47% $3,956
Wells Fargo Bank 24 3.32% $2,628
LOANDEPOT.COM, LLC 18 3.21% $5,305
MORTGAGE INVESTORS GROUP, INC. 17 3.08% $3,992
Mr. Cooper ( Nationstar Mortgage ) 15 3.48% $5,154
AMERISAVE MORTGAGE CORPORATION 15 3.02% $3,717
VANDERBILT MORTGAGE AND FINANCE, INC. 14 3.53% $3,276
HUNT MORTGAGE CORPORATION 12 3.28% $2,787
PENNYMAC LOAN SERVICES, LLC 11 3.30% $5,278
ALABAMA TEACHERS 10 3.43% $1,484
HOME POINT FINANCIAL CORPORATION 10 3.30% $3,939
Consumer First Mortgage, Inc. 10 2.91% $4,336
GUILD MORTGAGE COMPANY 9 3.39% $4,578
HONDA Federal Credit Union 7 3.32% $2,721
BROKER SOLUTIONS, INC. 7 3.07% $3,517
BBVA USA 6 3.33% $2,824
TJC Mortgage, Inc. 6 3.17% $3,551
NAVY FEDERAL CREDIT UNION 6 3.83% $2,692
FIRST COMMUNITY MORTGAGE, INC. 6 2.94% $4,823
CRESCENT MORTGAGE COMPANY 5 3.15% $2,911
NEWREZ LLC 5 2.99% $3,666
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 5 2.90% $3,654
U.S. Bank 5 2.95% $3,235
First Federal Bank, A FSB 4 3.09% $4,297
Citizens Bank 4 2.94% $3,512
Carrington Mortgage Services, LLC 4 3.13% $3,346
InterContinental Capital Group, Inc 3 3.79% $3,505
ROYAL UNITED MORTGAGE LLC 3 3.42% $6,180
Goldwater Bank, N.A. 3 3.04% $4,768
Trustmark National Bank 3 3.38% $3,150
Paramount Residential Mortgage Group, Inc. 3 3.42% $4,718
APCO EMPLOYEES 3 3.24% $2,868
Mortgage Assurance Inc. 3 2.88% $2,659
AMERICAN FINANCIAL NETWORK, INC. 3 2.96% $6,513
JPMorgan Chase Bank 3 3.12% $3,100
FREEDOM MORTGAGE CORPORATION 3 3.00% $1,205
GMFS LLC 3 3.00% $4,460
PRIMELENDING, A PLAINSCAPITAL COMPANY 3 3.46% $3,613
FirstBank 3 2.87% $3,470
Blue Ridge Bank 3 3.08% $2,833
AlaTrust Credit Union 2 3.13% $3,880
Mortgage Research Center, LLC 2 3.37% $1,751
ZILLOW HOME LOANS, LLC 2 3.06% $2,976
MOVEMENT MORTGAGE, LLC 2 3.28% $3,166
Nations Lending Corporation 2 3.38% $6,137
Flagstar Bank, FSB 2 3.71% $4,112
NBKC BANK 2 2.81% $2,421
GUARANTEED RATE, INC. 2 3.06% $3,006
BETTER MORTGAGE CORPORATION 2 2.69% $2,513
FBC MORTGAGE, LLC 2 3.37% $3,627
Fifth Third Bank 2 3.25% $2,862
Hometown Lenders, Inc. 2 3.44% $4,434
Bank of England 2 3.31% $3,757
RELIANCE FIRST CAPITAL, LLC 2 3.13% $5,337
River Bank & Trust 2 3.45% $4,682
RUOFF MORTGAGE COMPANY, INC. 2 2.94% $1,550
INTERLINC MORTGAGE SERVICES, LLC 2 2.88% $4,504
LEADERONE FINANCIAL CORPORATION 2 3.63% $3,506
AmeriHome Mortgage Company, LLC 2 3.38% $4,238
SOUTHWEST FUNDING, LP 2 3.56% $6,165
SOVEREIGN LENDING GROUP INCORPORATED 2 2.81% $5,441
Discover Bank 2 4.74% $0
Cadence Bank, N.A. 2 3.56% $4,012
Liberty Mortgage Corporation 2 2.94% $1,906
Bank of America 2 3.25% $2,764
AMERICAN PACIFIC MORTGAGE CORPORATION 2 3.25% $3,652
CMG MORTGAGE, INC. 2 3.06% $6,936
AMERICAN FINANCING CORPORATION 1 3.00% $3,191
Valley National Bank 1 3.00% $3,391
Wyndham Capital Mortgage, Inc. 1 2.88% $1,035
AMERICA'S FIRST 1 3.00% $4,167
CALIBER HOME LOANS, INC. 1 3.38% $5,139
Capital City Home Loans, LLC 1 3.13% $3,146
CHURCHILL MORTGAGE CORPORATION 1 2.99% $3,368
BMO Harris Bank 1 3.38% $3,052
CROSSCOUNTRY MORTGAGE, LLC 1 2.99% $3,673
EASTMAN 1 4.88% $6,381
EMM LOANS LLC 1 2.99% $6,803
EVERETT FINANCIAL, INC. 1 3.50% $535
FAY SERVICING, LLC 1 2.75% $2,090
First Federal Bank 1 3.13% $3,145
First Guaranty Mortgage Corporation 1 3.25% $3,997
First Home Bank 1 2.88% $3,083
First Horizon Bank 1 3.25% $2,793
First Option Mortgage, LLC 1 2.75% $4,081
FirstTrust Home Loans, Inc. 1 2.50% $3,133
Grow Financial Federal Credit Union 1 3.25% $3,149
Hamilton Mortgage Corporation 1 2.88% $2,467
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 4.13% $3,060
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 3.38% $3,801
HOMESTAR FINANCIAL CORPORATION 1 3.38% $4,216
BANKSOUTH MORTGAGE COMPANY, LLC 1 3.25% $3,210
Independent Bank 1 2.50% $2,248
LENDERFI, INC. 1 3.25% $1,548
Magnolia Bank 1 2.88% $2,686
MILEND, INC. 1 3.00% $3,898
BancorpSouth Bank 1 4.13% $2,319
AVADIAN 1 2.75% $2,937
NATIONS RELIABLE LENDING, LLC 1 3.25% $4,316
NETWORK CAPITAL FUNDING CORPORATION 1 3.13% $2,273
NEW DAY FINANCIAL, LLC 1 2.50% $4,600
North American Savings Bank, F.S.B. 1 3.00% $2,822
Assurance Financial Group, L.L.C. 1 3.38% $2,705
PHH Mortgage Corporation 1 3.38% $7,727
PNC Bank 1 3.38% $2,551
Prime Choice Funding Inc. 1 2.38% $3,887
Priority Bank 1 3.38% $4,711
Progress Bank and Trust 1 3.13% $8,643
Prosperity Home Mortgage, LLC 1 3.13% $2,288
Associated Credit Union 1 4.25% $2,851
RBC Bank, (Georgia) 1 3.13% $2,114
REDSTONE Federal Credit Union 1 3.38% $2,895
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 3.99% $2,395
Reliant Bank 1 3.13% $2,484
SECURITYNATIONAL MORTGAGE COMPANY 1 4.13% $4,032
SIRVA MORTGAGE, INC. 1 3.88% $10,110
SOFI LENDING CORP. 1 2.88% $2,218
SOUTHEAST MORTGAGE OF GEORGIA, INC. 1 3.38% $3,967
STEARNS LENDING, LLC 1 2.88% $2,727
Sunflower Bank 1 3.63% $3,335
TIB The Independent Bankersbank 1 2.75% $888
UNION HOME MORTGAGE CORP. 1 3.38% $3,262

ANNISTON-OXFORD, AL's 131 lenders originated 3,438 loans during 2021. The total origination value was $544,090,000, with an average loan value of $158,258.

The top ANNISTON - OXFORD lender as defined by loan originations is QUICKEN LOANS, LLC, with 103 loans originated. Their average total fees are $4,355, which is $1,019 higher than the next largest lender, FAIRWAY INDEPENDENT MORTGAGE CORPORATION.

The lowest fee ANNISTON - OXFORD lenders (with over 10 loans originated) are ALABAMA TEACHERS ($1,484), SouthPoint Bank ($2,473), Wells Fargo Bank ($2,628), HUNT MORTGAGE CORPORATION ($2,787) and Regions Bank ($3,068).

The lowest rate ANNISTON - OXFORD lenders (with over 10 loans originated) are Consumer First Mortgage, Inc. (2.91%), Ameris Bank (2.93%), UNITED WHOLESALE MORTGAGE, LLC (2.93%), SouthPoint Bank (2.97%) and Renasant Bank (2.99%).

ANNISTON-OXFORD, AL Lender Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $47,600,000 $61,290,000 28.8% 11.3%
QUICKEN LOANS, LLC $36,405,000 $48,705,000 33.8% 9.0%
Ameris Bank $32,645,000 $35,530,000 8.8% 6.5%
UNITED WHOLESALE MORTGAGE, LLC $3,140,000 $19,330,000 515.6% 3.6%
Renasant Bank $21,740,000 $18,375,000 -15.5% 3.4%
Regions Bank $17,880,000 $18,170,000 1.6% 3.3%
FREEDOM MORTGAGE CORPORATION $21,190,000 $17,615,000 -16.9% 3.2%
VANDERBILT MORTGAGE AND FINANCE, INC. $12,205,000 $16,920,000 38.6% 3.1%
SouthPoint Bank $8,045,000 $16,835,000 109.3% 3.1%
SUCCESS MORTGAGE PARTNERS, INC. $11,620,000 $14,900,000 28.2% 2.7%
AOD Federal Credit Union $13,390,000 $11,835,000 -11.6% 2.2%
LOANDEPOT.COM, LLC $4,630,000 $11,360,000 145.4% 2.1%
PENNYMAC LOAN SERVICES, LLC $2,180,000 $9,640,000 342.2% 1.8%
Truist Bank $14,570,000 $9,495,000 -34.8% 1.7%
Investar Bank $9,060,000 n/a 1.7%
First Bank of Alabama $5,590,000 $7,655,000 36.9% 1.4%
HOME POINT FINANCIAL CORPORATION $4,925,000 $7,285,000 47.9% 1.3%
GUILD MORTGAGE COMPANY $6,710,000 $7,250,000 8.0% 1.3%
Mortgage Research Center, LLC $7,065,000 $6,820,000 -3.5% 1.3%
Mr. Cooper ( Nationstar Mortgage ) $5,515,000 $6,700,000 21.5% 1.2%
SOUTHWEST FUNDING, LP $5,225,000 $6,665,000 27.6% 1.2%
Wells Fargo Bank $4,150,000 $6,525,000 57.2% 1.2%
NobleBank & Trust $3,465,000 $6,380,000 84.1% 1.2%
HUNT MORTGAGE CORPORATION $5,230,000 $6,275,000 20.0% 1.2%
MORTGAGE INVESTORS GROUP, INC. $6,920,000 $6,025,000 -12.9% 1.1%
LAKEVIEW LOAN SERVICING, LLC $3,320,000 $5,820,000 75.3% 1.1%
AMERISAVE MORTGAGE CORPORATION $2,470,000 $5,030,000 103.6% 0.9%
Consumer First Mortgage, Inc. $1,215,000 $4,745,000 290.5% 0.9%
ORIX REAL ESTATE CAPITAL, LLC $4,715,000 n/a 0.9%
VILLAGE CAPITAL & INVESTMENT LLC $2,955,000 $4,590,000 55.3% 0.8%
NEWREZ LLC $2,505,000 $4,365,000 74.3% 0.8%
NEW DAY FINANCIAL, LLC $2,970,000 $4,170,000 40.4% 0.8%
BAYSHORE MORTGAGE FUNDING, LLC $4,110,000 n/a 0.8%
ALABAMA TEACHERS $3,335,000 $3,860,000 15.7% 0.7%
Fort McClellan Credit Union $1,625,000 $3,585,000 120.6% 0.7%
Citizens Bank $6,670,000 $2,930,000 -56.1% 0.5%
HONDA Federal Credit Union $1,565,000 $2,905,000 85.6% 0.5%
NAVY FEDERAL CREDIT UNION $835,000 $2,905,000 247.9% 0.5%
AMERICA'S FIRST $1,925,000 $2,845,000 47.8% 0.5%
First Federal Bank, A FSB $2,105,000 $2,505,000 19.0% 0.5%
BBVA USA $4,775,000 $2,345,000 -50.9% 0.4%
USAA Federal Savings Bank $3,490,000 $2,320,000 -33.5% 0.4%
FIRST COMMUNITY MORTGAGE, INC. $975,000 $2,160,000 121.5% 0.4%
Carrington Mortgage Services, LLC $1,355,000 $2,140,000 57.9% 0.4%
HOMESTAR FINANCIAL CORPORATION $1,885,000 $2,075,000 10.1% 0.4%
Southern Bank $2,065,000 n/a 0.4%
COREVEST AMERICAN FINANCE LENDER LLC $2,025,000 n/a 0.4%
Barrington Bank & Trust Company, N.A. $1,065,000 $1,880,000 76.5% 0.3%
BROKER SOLUTIONS, INC. $760,000 $1,795,000 136.2% 0.3%
Hometown Lenders, Inc. $2,830,000 $1,785,000 -36.9% 0.3%
TJC Mortgage, Inc. $730,000 $1,785,000 144.5% 0.3%
AMERICAN FINANCIAL NETWORK, INC. $1,440,000 $1,745,000 21.2% 0.3%
CRESCENT MORTGAGE COMPANY $1,410,000 $1,705,000 20.9% 0.3%
AlaTrust Credit Union $2,315,000 $1,600,000 -30.9% 0.3%
GMFS LLC $1,295,000 $1,540,000 18.9% 0.3%
FirstBank $1,480,000 $1,465,000 -1.0% 0.3%
Metro Bank $880,000 $1,445,000 64.2% 0.3%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $525,000 $1,420,000 170.5% 0.3%
21ST MORTGAGE CORPORATION $1,300,000 $1,310,000 0.8% 0.2%
CMG MORTGAGE, INC. $510,000 $1,300,000 154.9% 0.2%
Bank of America $670,000 $1,295,000 93.3% 0.2%
Flagstar Bank, FSB $995,000 $1,255,000 26.1% 0.2%
Goldwater Bank, N.A. $1,525,000 $1,255,000 -17.7% 0.2%
U.S. Bank $3,175,000 $1,250,000 -60.6% 0.2%
FBC MORTGAGE, LLC $895,000 $1,145,000 27.9% 0.2%
BETTER MORTGAGE CORPORATION $1,005,000 $1,115,000 10.9% 0.2%
JPMorgan Chase Bank $1,370,000 $1,085,000 -20.8% 0.2%
LEADERONE FINANCIAL CORPORATION $1,085,000 n/a 0.2%
PNC Bank $440,000 $1,070,000 143.2% 0.2%
EVANSVILLE TEACHERS $390,000 $1,045,000 167.9% 0.2%
MOVEMENT MORTGAGE, LLC $135,000 $1,015,000 651.9% 0.2%
ISERVE RESIDENTIAL LENDING, LLC $480,000 $1,005,000 109.4% 0.2%
CALIBER HOME LOANS, INC. $1,820,000 $1,000,000 -45.1% 0.2%
ZILLOW HOME LOANS, LLC $985,000 n/a 0.2%
MID AMERICA MORTGAGE, INC. $75,000 $960,000 1,180.0% 0.2%
Progress Bank and Trust $155,000 $935,000 503.2% 0.2%
River Bank & Trust $85,000 $895,000 952.9% 0.2%
SIRVA MORTGAGE, INC. $855,000 n/a 0.2%
Bank of England $940,000 $845,000 -10.1% 0.2%
AMERICAN PACIFIC MORTGAGE CORPORATION $805,000 n/a 0.1%
United Bank $755,000 n/a 0.1%
TRIAD FINANCIAL SERVICES, INC. $720,000 $740,000 2.8% 0.1%
Liberty Bank $725,000 n/a 0.1%
CLEARPATH LENDING $1,120,000 $720,000 -35.7% 0.1%
CROSSCOUNTRY MORTGAGE, LLC $280,000 $690,000 146.4% 0.1%
Blue Ridge Bank $420,000 $685,000 63.1% 0.1%
CERTAINTY HOME LOANS, LLC $95,000 $675,000 610.5% 0.1%
AMERICAN FINANCING CORPORATION $260,000 $665,000 155.8% 0.1%
Synovus Bank $500,000 $650,000 30.0% 0.1%
CHURCHILL MORTGAGE CORPORATION $615,000 $640,000 4.1% 0.1%
GUARANTEED RATE, INC. $65,000 $640,000 884.6% 0.1%
First Federal Bank $260,000 $610,000 134.6% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $205,000 $610,000 197.6% 0.1%
PLANET HOME LENDING, LLC $1,025,000 $610,000 -40.5% 0.1%
KS StateBank $605,000 n/a 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $270,000 $590,000 118.5% 0.1%
The Federal Savings Bank $2,435,000 $590,000 -75.8% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $240,000 $565,000 135.4% 0.1%
NBKC BANK $285,000 $550,000 93.0% 0.1%
REDSTONE Federal Credit Union $235,000 $550,000 134.0% 0.1%
SOVEREIGN LENDING GROUP INCORPORATED $545,000 n/a 0.1%
TEMPLE VIEW CAPITAL FUNDING, LP $95,000 $540,000 468.4% 0.1%
BancorpSouth Bank $760,000 $530,000 -30.3% 0.1%
Trustmark National Bank $225,000 $530,000 135.6% 0.1%
Troy Bank and Trust Company $525,000 n/a 0.1%
PHH Mortgage Corporation $520,000 n/a 0.1%
Southern States Bank $6,510,000 $500,000 -92.3% 0.1%
GUARANTY HOME MORTGAGE CORPORATION $410,000 $495,000 20.7% 0.1%
ROYAL UNITED MORTGAGE LLC $685,000 $495,000 -27.7% 0.1%
APCO EMPLOYEES $435,000 $490,000 12.6% 0.1%
First Guaranty Mortgage Corporation $700,000 $490,000 -30.0% 0.1%
Prosperity Home Mortgage, LLC $590,000 $455,000 -22.9% 0.1%
Cadence Bank, N.A. $450,000 n/a 0.1%
ACOPIA, LLC $560,000 $425,000 -24.1% 0.1%
InterContinental Capital Group, Inc $415,000 n/a 0.1%
INTERLINC MORTGAGE SERVICES, LLC $845,000 $415,000 -50.9% 0.1%
Discover Bank $85,000 $390,000 358.8% 0.1%
Bank of Whittier $385,000 n/a 0.1%
First Option Mortgage, LLC $380,000 n/a 0.1%
Paramount Residential Mortgage Group, Inc. $115,000 $375,000 226.1% 0.1%
SOFI LENDING CORP. $375,000 n/a 0.1%
AmeriHome Mortgage Company, LLC $995,000 $370,000 -62.8% 0.1%
CB&S Bank, Inc. $365,000 n/a 0.1%
RELIANCE FIRST CAPITAL, LLC $505,000 $360,000 -28.7% 0.1%
GUARANTEED RATE AFFINITY, LLC $565,000 $355,000 -37.2% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $570,000 $350,000 -38.6% 0.1%
Nations Lending Corporation $515,000 $345,000 -33.0% 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $405,000 $335,000 -17.3% 0.1%
Liberty Mortgage Corporation $165,000 $330,000 100.0% 0.1%
Gateway First Bank $130,000 $325,000 150.0% 0.1%
Patriot Bank $325,000 n/a 0.1%
PENTAGON FEDERAL CREDIT UNION $315,000 n/a 0.1%
BNC National Bank $305,000 n/a 0.1%
Mortgage Assurance Inc. $230,000 $305,000 32.6% 0.1%
RUOFF MORTGAGE COMPANY, INC. $115,000 $295,000 156.5% 0.1%
AMERIFIRST FINANCIAL CORPORATION $290,000 n/a 0.1%
Northpointe Bank $675,000 $290,000 -57.0% 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $285,000 n/a 0.1%
PLAZA HOME MORTGAGE, INC. $285,000 n/a 0.1%
LENDERFI, INC. $280,000 n/a 0.1%
North American Savings Bank, F.S.B. $275,000 n/a 0.1%
FAMILY SAVINGS $140,000 $270,000 92.9% 0.0%
NETWORK CAPITAL FUNDING CORPORATION $265,000 n/a 0.0%
SECURITYNATIONAL MORTGAGE COMPANY $260,000 n/a 0.0%
Commonwealth Bank and Trust Company $255,000 $255,000 0.0% 0.0%
First Home Bank $315,000 $255,000 -19.0% 0.0%
MILEND, INC. $255,000 n/a 0.0%
MORTGAGE MARKETS CUSO, LLC $255,000 n/a 0.0%
Stride Bank $255,000 n/a 0.0%
Wyndham Capital Mortgage, Inc. $255,000 n/a 0.0%
VAN DYK MORTGAGE CORPORATION $245,000 n/a 0.0%
Austin Capital Bank SSB $240,000 n/a 0.0%
FirstTrust Home Loans, Inc. $845,000 $235,000 -72.2% 0.0%
STEARNS LENDING, LLC $105,000 $230,000 119.0% 0.0%
Bryant Bank $515,000 $225,000 -56.3% 0.0%
Independent Bank $225,000 n/a 0.0%
Fifth Third Bank $550,000 $220,000 -60.0% 0.0%
LIMA ONE CAPITAL, LLC $220,000 n/a 0.0%
Manufacturers and Traders Trust Company $220,000 n/a 0.0%
Atlantic Union Bank $215,000 n/a 0.0%
Triumph Bank $725,000 $205,000 -71.7% 0.0%
UNION HOME MORTGAGE CORP. $205,000 n/a 0.0%
Assurance Financial Group, L.L.C. $260,000 $200,000 -23.1% 0.0%
EVERETT FINANCIAL, INC. $175,000 $200,000 14.3% 0.0%
LIBERTY HOME MORTGAGE CORPORATION $215,000 $195,000 -9.3% 0.0%
1st Franklin Financial Corporation $190,000 n/a 0.0%
FINANCE OF AMERICA MORTGAGE LLC $185,000 n/a 0.0%
HOMESIDE FINANCIAL, LLC $185,000 n/a 0.0%
MICHIGAN MUTUAL, INC. $185,000 n/a 0.0%
SOUTHWEST STAGE FUNDING, LLC $250,000 $185,000 -26.0% 0.0%
CSL Financial, LLC $335,000 $180,000 -46.3% 0.0%
BAY EQUITY LLC $175,000 n/a 0.0%
EASTMAN $175,000 n/a 0.0%
Florida Capital Bank $175,000 n/a 0.0%
Grow Financial Federal Credit Union $175,000 n/a 0.0%
TIB The Independent Bankersbank $175,000 n/a 0.0%
Hamilton Mortgage Corporation $165,000 n/a 0.0%
HOMEOWNERS FINANCIAL GROUP USA, LLC $160,000 n/a 0.0%
Alcova Mortgage LLC $155,000 n/a 0.0%
RBC Bank, (Georgia) $155,000 n/a 0.0%
AuburnBank $145,000 n/a 0.0%
EMM LOANS LLC $145,000 $145,000 0.0% 0.0%
Priority Bank $145,000 n/a 0.0%
AMERICAN ADVISORS GROUP $200,000 $140,000 -30.0% 0.0%
Peoples Bank of Alabama $140,000 n/a 0.0%
AVADIAN $285,000 $135,000 -52.6% 0.0%
Capital City Home Loans, LLC $135,000 n/a 0.0%
First Horizon Bank $135,000 n/a 0.0%
GoPrime Mortgage, Inc. $300,000 $135,000 -55.0% 0.0%
LONGBRIDGE FINANCIAL, LLC $135,000 n/a 0.0%
Reliant Bank $135,000 n/a 0.0%
Valley National Bank $135,000 n/a 0.0%
CONTOUR MORTGAGE CORPORATION $315,000 $125,000 -60.3% 0.0%
THE MORTGAGE FIRM, INC. $125,000 n/a 0.0%
EvaBank $205,000 $120,000 -41.5% 0.0%
BMO Harris Bank $115,000 n/a 0.0%
HOMETRUST MORTGAGE COMPANY $115,000 n/a 0.0%
Mid-Continent Funding, Inc. $335,000 $115,000 -65.7% 0.0%
SOUTHEAST MORTGAGE OF GEORGIA, INC. $125,000 $115,000 -8.0% 0.0%
Stifel Bank and Trust $115,000 n/a 0.0%
Sunflower Bank $115,000 n/a 0.0%
Ally Bank $145,000 $105,000 -27.6% 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $95,000 $105,000 10.5% 0.0%
NATIONS RELIABLE LENDING, LLC $105,000 n/a 0.0%
Prime Choice Funding Inc. $105,000 n/a 0.0%
Alabama One Credit Union $355,000 $95,000 -73.2% 0.0%
FINANCE OF AMERICA COMMERCIAL LLC $95,000 n/a 0.0%
OCEANSIDE MORTGAGE COMPANY $610,000 $95,000 -84.4% 0.0%
ACADEMY MORTGAGE CORPORATION $85,000 n/a 0.0%
Arvest Bank $85,000 n/a 0.0%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $85,000 n/a 0.0%
Magnolia Bank $670,000 $85,000 -87.3% 0.0%
Willamette Valley Bank $85,000 n/a 0.0%
ALABAMA STATE EMPLOYEES CREDIT UNION $75,000 n/a 0.0%
Plains Commerce Bank $75,000 n/a 0.0%
Associated Credit Union $65,000 n/a 0.0%
BANKSOUTH MORTGAGE COMPANY, LLC $65,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $65,000 n/a 0.0%
FAY SERVICING, LLC $65,000 n/a 0.0%
ITHINK FINANCIAL Credit Union $90,000 $55,000 -38.9% 0.0%
DELTA COMMUNITY CREDIT UNION $75,000 $25,000 -66.7% 0.0%
Home Loan Investment Bank, F.S.B. $25,000 n/a 0.0%

ANNISTON - OXFORD's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 11.3% market share. In second place, with 9.0%, is QUICKEN LOANS, LLC, having originated $48,705,000 in loans. In third place, with 6.5%, is Ameris Bank, having originated $35,530,000 in loans. In third place, with 3.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $19,330,000 in loans. In third place, with 3.4%, is Renasant Bank, having originated $18,375,000 in loans.


ANNISTON-OXFORD, AL Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,606 $271,560,000 $169,091
Refi 1,101 $174,375,000 $158,379
Cash Out Refi 572 $86,530,000 $151,276
Home Improvement 90 $6,480,000 $72,000
Other 69 $5,145,000 $74,565

Anniston - Oxford's most frequently cited loan purpose was Home Purchase, with 1,606 originations. The 2nd most popular reason was Refi, with 1,101 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 1,316 $220,160,000 $167,295
3-4% 1,132 $170,490,000 $150,610
<2.5% 563 $100,695,000 $178,854
4-5% 120 $13,730,000 $114,417
Over 8% 49 $2,815,000 $57,449
6-7% 26 $2,250,000 $86,538
5-6% 19 $2,465,000 $129,737
7-8% 13 $975,000 $75,000

During 2021, Anniston - Oxford's most frequently originated rate bucket was 2.5-3%, with 1,316 originations.

Loan Sizing (ANNISTON-OXFORD, AL MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 1,733 $249,215,000 $143,806
$100,000 or less 881 $56,355,000 $63,967
$200k-400k 765 $197,085,000 $257,627
$400k-600k 44 $21,180,000 $481,364
$600k-1000k 10 $7,810,000 $781,000
$Over $1MM 5 $12,445,000 $2,489,000

ANNISTON - OXFORD's loan sizing saw the bucket of loans from $100k-200k with 1,733 originations, totaling $249,215,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,619 $277,125,000 $171,170
60-80% 918 $152,660,000 $166,296
40-60% 267 $32,745,000 $122,640
20-40% 108 $6,940,000 $64,259
Under 20% 95 $2,315,000 $24,368
Over 100% 57 $16,355,000 $286,930

ANNISTON - OXFORD's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,619 originations, totaling $277,125,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - ANNISTON - OXFORD (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $125,900 (10.7%) $157,392 (7.8%) 0.00 514
2018-02-01 $124,700 (3.5%) $152,376 (1.0%) 0.00 545
2018-03-01 $124,900 (2.2%) $155,394 (0.5%) 0.00 533
2018-04-01 $124,950 (0.0%) $161,038 (3.2%) 0.00 513
2018-05-01 $124,950 (2.2%) $162,136 (5.2%) 0.00 503
2018-06-01 $129,000 (3.5%) $162,925 (4.9%) 0.00 513
2018-07-01 $129,900 (0.7%) $161,745 (2.6%) 0.00 523
2018-08-01 $127,000 (1.2%) $156,795 (-1.2%) 0.00 545
2018-09-01 $125,000 (4.3%) $156,072 (1.4%) 0.00 535
2018-10-01 $129,700 (8.8%) $162,366 (5.0%) 0.00 523
2018-11-01 $129,900 (8.3%) $168,696 (9.7%) 0.00 505
2018-12-01 $129,500 (3.6%) $171,267 (8.6%) 0.00 496
2019-01-01 $124,450 (-1.2%) $167,414 (6.4%) 0.00 482
2019-02-01 $124,900 (0.2%) $167,710 (10.1%) 0.00 455
2019-03-01 $129,186 (3.4%) $174,559 (12.3%) 0.00 430
2019-04-01 $137,400 (10.0%) $180,320 (12.0%) 0.00 413
2019-05-01 $146,000 (16.9%) $187,022 (15.4%) 0.00 418
2019-06-01 $144,000 (11.6%) $187,658 (15.2%) 0.00 410
2019-07-01 $149,500 (15.1%) $192,671 (19.1%) 0.00 416
2019-08-01 $147,529 (16.2%) $191,534 (22.2%) 0.00 425
2019-09-01 $144,900 (15.9%) $189,938 (21.7%) 0.00 435
2019-10-01 $141,000 (8.7%) $187,984 (15.8%) 0.00 459
2019-11-01 $143,900 (10.8%) $189,955 (12.6%) 0.00 437
2019-12-01 $144,900 (11.9%) $188,663 (10.2%) 0.00 425
2020-01-01 $142,500 (14.5%) $188,340 (12.5%) 0.00 417
2020-02-01 $144,900 (16.0%) $185,444 (10.6%) 0.00 421
2020-03-01 $149,300 (15.6%) $189,262 (8.4%) 0.00 395
2020-04-01 $142,000 (3.4%) $182,654 (1.3%) 0.00 397
2020-05-01 $149,000 (2.1%) $185,804 (-0.7%) 0.00 384
2020-06-01 $149,900 (4.1%) $193,005 (2.9%) 0.00 351
2020-07-01 $150,250 (0.5%) $191,893 (-0.4%) 0.00 356
2020-08-01 $159,900 (8.4%) $198,247 (3.5%) 0.00 295
2020-09-01 $157,450 (8.7%) $204,476 (7.7%) 0.00 249
2020-10-01 $159,900 (13.4%) $204,122 (8.6%) 0.00 233
2020-11-01 $167,450 (16.4%) $203,903 (7.3%) 0.00 209
2020-12-01 $154,950 (6.9%) $192,003 (1.8%) 0.00 212
2021-01-01 $159,900 (12.2%) $197,877 (5.1%) 0.00 200
2021-02-01 $164,900 (13.8%) $187,949 (1.4%) 0.00 180
2021-03-01 $159,200 (6.6%) $190,020 (0.4%) 0.00 156
2021-04-01 $169,400 (19.3%) $213,514 (16.9%) 0.00 136
2021-05-01 $165,000 (10.7%) $212,027 (14.1%) 0.00 137
2021-06-01 $168,950 (12.7%) $206,622 (7.1%) 0.00 144
2021-07-01 $182,450 (21.4%) $222,593 (16.0%) 0.00 167
2021-08-01 $183,500 (14.8%) $230,175 (16.1%) 0.00 177
2021-09-01 $201,900 (28.2%) $241,951 (18.3%) 0.00 178
2021-10-01 $189,900 (18.8%) $244,485 (19.8%) 0.00 176
2021-11-01 $189,900 (13.4%) $245,933 (20.6%) 0.00 172
2021-12-01 $172,450 (11.3%) $248,062 (29.2%) 0.00 166
2022-01-01 $165,000 (3.2%) $239,326 (21.0%) 0.00 161
2022-02-01 $166,950 (1.2%) $215,482 (14.7%) 0.00 158
2022-03-01 $151,250 (-5.0%) $208,778 (9.9%) 0.00 154
2022-04-01 $164,900 (-2.7%) $212,160 (-0.6%) 0.00 164
2022-05-01 $169,900 (3.0%) $234,029 (10.4%) 0.00 182
ANNISTON - OXFORD's median listing price for 2022-05-01 was $169,900, a difference of $4,900 (3.0%) versus the prior year and $5,000 versus the prior month.

ANNISTON - OXFORD's median listing price comes in at 0% of the national average.

ANNISTON - OXFORD's average listing price for 2022-05-01 was $234,029, a difference of $22,002 (10.4%) versus the prior year and $21,869 versus the prior month.

For the 2022-05-01 period, ANNISTON - OXFORD had 182 MLS listings, a difference of 18 listings (11%) versus the prior month and 45 listings (33%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - ANNISTON - OXFORD (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,904 sqft
2018-02-01 0 days 1,904 sqft
2018-03-01 0 days 1,689 sqft
2018-04-01 0 days 1,709 sqft
2018-05-01 0 days 1,691 sqft
2018-06-01 0 days 1,675 sqft
2018-07-01 0 days 1,671 sqft
2018-08-01 0 days 1,679 sqft
2018-09-01 0 days 1,658 sqft
2018-10-01 0 days 1,650 sqft
2018-11-01 0 days 1,686 sqft
2018-12-01 0 days 1,664 sqft
2019-01-01 0 days 1,643 sqft
2019-02-01 0 days 1,650 sqft
2019-03-01 0 days 1,679 sqft
2019-04-01 0 days 1,662 sqft
2019-05-01 0 days 1,695 sqft
2019-06-01 0 days 1,730 sqft
2019-07-01 0 days 1,738 sqft
2019-08-01 0 days 1,750 sqft
2019-09-01 0 days 1,766 sqft
2019-10-01 0 days 1,757 sqft
2019-11-01 0 days 1,748 sqft
2019-12-01 0 days 1,776 sqft
2020-01-01 0 days 1,795 sqft
2020-02-01 0 days 1,830 sqft
2020-03-01 0 days 1,870 sqft
2020-04-01 0 days 1,850 sqft
2020-05-01 0 days 1,856 sqft
2020-06-01 0 days 1,891 sqft
2020-07-01 0 days 1,889 sqft
2020-08-01 0 days 1,919 sqft
2020-09-01 0 days 1,881 sqft
2020-10-01 0 days 1,830 sqft
2020-11-01 0 days 1,825 sqft
2020-12-01 0 days 1,800 sqft
2021-01-01 0 days 1,836 sqft
2021-02-01 0 days 1,780 sqft
2021-03-01 0 days 1,776 sqft
2021-04-01 0 days 1,852 sqft
2021-05-01 0 days 1,845 sqft
2021-06-01 0 days 1,887 sqft
2021-07-01 0 days 1,914 sqft
2021-08-01 0 days 1,851 sqft
2021-09-01 0 days 1,932 sqft
2021-10-01 0 days 1,893 sqft
2021-11-01 0 days 1,966 sqft
2021-12-01 0 days 1,939 sqft
2022-01-01 0 days 1,893 sqft
2022-02-01 0 days 1,590 sqft
2022-03-01 0 days 1,657 sqft
2022-04-01 0 days 1,650 sqft
2022-05-01 0 days 1,797 sqft
ANNISTON - OXFORD's median listing age (time on market) for 2022-05-01 was 0 days.

ANNISTON - OXFORD's median square footage for active listings during the 2022-05-01 period was 1,797 sqft. One year prior, the average listing was 1,845 sqft.